We make decisions based on what we think is fair and reasonable, accounting for the unique circumstances of each case we receive. We anonymise our decisions and write them in a way that prevents the person or small business complaining from being identified.
This database holds all the final decisions we’ve published since 1 April 2013 under the Financial Services and Markets Act 2000, as amended by the Financial Services Act 2012.
Your search returned 392389 results
-
Decision Reference DRN-6051743
2 Jan 2026 Advantage Insurance Company Limited UpheldInsuranceDRN-6051743 The complaint Mr and Mrs R were unhappy with how their escape of water claim was managed by Advantage Insurance Company Limited (“AI”) under their home insurance policy. What happened Mr and Mrs R made a claim in February 2024, when a small leak from their downstairs toilet ... (3 pages)View decision -
Decision Reference DRN-6034108
2 Jan 2026 Aldermore Bank Plc Not upheldMortgagesDRN-6034108 The complaint J, a limited company, complains that Aldermore Bank Plc has recently sought to exercise its right under J’s mortgage with it, to revalue one of J’s mortgaged properties. J says this action is prohibited by case law and by Financial Conduct Authority (“FCA”) pri... (5 pages)View decision -
Decision Reference DRN-6011471
2 Jan 2026 Clydesdale Financial Services Limited Not upheldConsumer CreditDRN-6011471 The complaint Mr K’s complaint is, in essence, that Clydesdale Financial Services Limited trading as Barclays Partner Finance (the ‘Lender’) acted unfairly and unreasonably by (1) being party to an unfair credit relationship with him under Section 140A of the Consumer Credit... (8 pages)View decision -
Decision Reference DRN-6000698
2 Jan 2026 American Express Services Europe Limited Not upheldBanking and PaymentsDRN-6000698 The complaint Mr N complains that American Express Services Europe Limited (“Amex”) charged him a membership fee, did not honour a one-month grace period and failed to enable contact with his relationship manager in the lead up to the closure of his account. What happened M... (3 pages)View decision -
Decision Reference DRN-6044685
2 Jan 2026 Nationwide Building Society Not upheldBanking and PaymentsDRN-6044685 The complaint Mr C complains about the way in which Nationwide Building Society handled the closure of his account. As a result, he says he has missed out on a Fairer Sharer payment of £100. What happened Mr C held a current account with Nationwide. Nationwide is a mutually ... (2 pages)View decision -
Decision Reference DRN-5804585
2 Jan 2026 Clydesdale Financial Services Limited Not upheldConsumer CreditDRN-5804585 The complaint Mrs D’s complaint is, in essence, that Clydesdale Financial Services Limited trading as Barclays Partner Finance (the ‘Lender’) acted unfairly and unreasonably by (1) being party to an unfair credit relationship with her under Section 140A of the Consumer Credi... (8 pages)View decision -
Decision Reference DRN-6034064
2 Jan 2026 MONEYBARN NO.1 LIMITED UpheldConsumer CreditDRN-6034064 The complaint Mr T complains that MONEYBARN NO.1 LIMITED trading as Moneybarn approved a vehicle finance agreement in 2015 which he says he could not afford to repay. What happened This is a short summary as a significant part of the complaint has been agreed between the pa... (2 pages)View decision -
Decision Reference DRN-6019703
2 Jan 2026 OneSavings Bank Plc Not upheldBanking and PaymentsDRN-6019703 The complaint S, a limited company, complains about what happened when it tried to pay a lump sum towards its mortgage with OneSavings Bank Plc trading as Kent Reliance, because Kent couldn’t estimate its new payments, and wrongly charged an Early Repayment Charge. Ms H brin... (3 pages)View decision -
Decision Reference DRN-6019890
2 Jan 2026 Brent Shrine Credit Union Limited Not upheldBanking and PaymentsDRN-6019890 The complaint Mr A complains about the service he received from Brent Shrine Credit Union Limited trading as My Community Bank (“MCB”) when it failed to stop a scheduled Direct Debit. Mr A says this resulted in his current account being put into unauthorised overdraft. What ... (2 pages)View decision -
Decision Reference DRN-6051239
2 Jan 2026 Admiral Financial Services Limited Not upheldConsumer CreditDRN-6051239 The complaint Miss A complains that Admiral Financial Services Limited (Admiral) lent to her irresponsibly. What happened Miss A took out a loan with Admiral in February 2023 for home improvements. The loan was for £7,500 over 60 months with a repayment of £225.19 a month. ... (3 pages)View decision